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Perluas Diskon QRIS, Bank Indonesia Resmikan Kartu Kredit Indonesia

Editor: Okta

Agustus 18, 2026

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Jakarta, bukainnews.id - Bank Indonesia (BI) meresmikan Kartu Kredit Indonesia (KKI) sekaligus memperluas kebijakan Merchant Discount Rate (MDR) QRIS 0% dalam rangkaian peringatan HUT ke-81 Kemerdekaan RI. KKI diluncurkan sebagai alternatif instrumen pembayaran dengan fasilitas penundaan pembayaran yang diproses secara domestik.

KKI dapat digunakan sebagai sumber dana transaksi melalui QRIS, baik dengan metode scan maupun Tap. Sementara itu, mulai 1 Oktober 2026, MDR QRIS 0% akan diperluas ke seluruh merchant untuk transaksi hingga Rp100.000, sementara kebijakan MDR 0% untuk merchant Usaha Mikro (UMI) hingga Rp500.000 tetap berlaku.

"Kebijakan ini akan mulai efektif per tanggal 1 Oktober 2026. Kebijakan ini akan memberikan ruang efisiensi biaya transaksi bagi para pelaku usaha, agar manfaat ekonomi digital semakin luas dan inklusif. Sekaligus mendukung penguatan daya beli masyarakat," ujar Pejabat Gubernur Sementara BI Destry Damayanti.

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